Automatic teller machine using banknote packages packed in advance

ABSTRACT

An automatic teller machine comprises a plurality of banknote boxes ( 2 ) in different amounts, in which a plurality of banknote packages ( 11 ) packed in advance are loaded, each banknote package ( 11 ) having therein one to hundreds of banknotes, both the top and bottom of the banknote package ( 11 ) being printed with the same identification bar codes ( 1102 ), such that when a banknote package ( 11 ) is output from the banknote box ( 2 ), the banknote box ( 2 ) can know if the output banknote package ( 11 ) is overlapped or wrong by using the two identification bar codes ( 1102 ) at the top and bottom of the banknote package ( 11 ). When withdrawing money, the control and communication circuit unit ( 1 ) controls said banknote box ( 2 ) and the transfer roller ( 7 ) within the automatic teller machine to output a banknote package ( 11 ) corresponding to the amount of money to be withdrawn to a banknote output opening ( 8 ) for the payee to withdraw. Besides, since the banknotes are packed in a banknote package in advance, both new and old banknotes can be used as long as they can be packed in a banknote package ( 11 ). Further, some paper small changes can also be packed into a banknote package ( 11 ).

TECHNICAL FIELD

This invention relates to the field of banking machines, andparticularly to an automatic teller machine.

BACKGROUND ART

The general automatic teller machine (usually called “ATM”) at thepresent time has a complicated structure. When a payee withdrawsbanknotes, the banknotes are output to the output opening one by onefrom the banknote box in the ATM. Each banknote has to pass throughquite a few long paths before reaching the output opening; hence, abanknote jam fault will often occur. Once a banknote is jammed in one ofthe paths, the ATM cannot continue providing service. Especially someolder banknotes are particularly prone to problems, frequently causingthe problem of being overlapped or jammed. Therefore, banks will usuallyput new banknotes into the ATM. However, the supply of new banknotes islimited. When the new banknotes are not sufficient and old banknoteshave to be used, it is possible to affect the service of the ATM. Thisis a problem in great need of being solved. In addition, the banknotebox of the general ATM at the present time is complicatedly designed;hence, the path for outputting the banknote from the banknote box to theoutput opening is quite long. The banknotes are generally transferred byusing two belts which run with banknotes clamped therebetween. Therequirements on design and production process of the banknote box arevery high. Since the transfer path is long, any slight error will easilycause fault of banknote jam or banknote overlap. Therefore, most of theATMs in China at the present time utilize precise banknote boxes fromabroad. These imported banknote boxes take a greater part of the cost ofthe ATMs manufactured in China, which affects the development of thehomemade ATMs.

SUMMARY OF THE INVENTION

The object of this invention is to provide an ATM, which utilizesbanknote packages in which banknotes are packed in advance for a payeeto withdraw. Since the banknotes are packed in banknote packages inadvance, the ATM of this invention may utilize new or old banknoteswithout any fault of banknote jam or banknote overlap. Besides, thestructure of the ATM is simplified, the requirement on precision islowered, thereby reducing the manufacture and maintenance cost.

The object of this invention is achieved by adopting such an ATM, mainlycomprising a control and communication circuit unit (1), one to morebanknote boxes (2), a display (3), a keyboard (4), a card reader (5), areceipt printer (6), a transfer roller (7), an output opening (8) and abanknote supply inlet (9), wherein the control and communication circuitunit (1) is provided therein with a computer and a communication devicefor exchanging information with the bank account system, and controlsthe operation of each component based on a predetermined program,characterized in that the banknote box (2) is loaded therein with aplurality of banknote packages (11), each banknote package (11) packingtherein one to hundreds of banknotes (1104), and that when the payeewithdraws money, the ATM reads the payee's account information such asbank card number through the card reader (5) and receives the passwordof the bank card and withdrawal information input by the payee via thekeyboard (4); then the control and communication circuit unit (1)transmits the account information such as the bank card number and thepassword as well as the withdrawal information to the bank accountsystem for checking and receives information of authorization from thebank account system to perform this withdrawal operation; and thecontrol and communication circuit unit (1) controls the banknote box (2)and the transfer roller (7) in the ATM to output a banknote package (11)corresponding to the amount of money to be withdrawn to the banknoteoutput opening (8) for the payee to withdraw.

In this way, the object of this invention is achieved.

The advantage of the ATM of this invention is that there is no fault ofbanknote jam or banknote overlap to occur. Since the banknotes (1104) tobe withdrawn are packaged in a packaging center by using large machines,absolutely no error will occur with the amount of banknotes (1104) inthe banknote packages (11), and both new banknotes and old banknotes canbe used. Furthermore, the banknotes (1104) can be disinfected andstraightened in the banknote packaging center in advance to make thebanknotes (1104) more sanitary. In addition, during the withdrawaloperation, the banknote package (11) is output to the payee as a whole;hence, it will not cause faults such as miscounting of money, banknotejam and banknote overlap besides having faster speed and higherefficiency compared with the general ATM which outputs banknotesone-by-one. Besides, the ATM of this invention is simple in structureand is thus low in manufacture and maintenance cost.

DESCRIPTION OF FIGURES

FIG. 1 is the structural schematic drawing of the ATM of this invention;

FIG. 2 is a visualized stereo schematic drawing of the ATM of thisinvention;

FIG. 3 is a front view of the ATM of this invention;

FIG. 4 is visualized stereo schematic drawing of the banknote package(11) of this invention;

FIG. 5 is a visualized stereo schematic drawing of one embodiment of thebanknotes (1104) packed together with the annexation (1103) in thebanknote package (11) of this invention;

FIG. 6 is a structural schematic drawing of the banknote box (2) of theATM of this invention;

FIG. 7 is a schematic drawing of the banknote supply device (12) of thisinvention when supplying the ATM with banknote packages (11);

FIG. 8 is a visualized stereo schematic drawing of the ATM of thisinvention additionally provided with an image scanning device (13), avideo phone device (14), and a WiFi device (16);

FIG. 9 is a structural schematic drawing of the ATM of this inventionadditionally provided with an automatic goods selling device (18);

FIG. 10 is a structural schematic drawing of another embodiment of theATM of this invention additionally provided with an automatic goodsselling device (18);

FIG. 11 is a visualized stereo schematic drawing of the banknotepackages (11) encapsulated by using a continuous film;

FIG. 12 is a structural schematic drawing of another embodiment of theATM of this invention additionally provided with an automatic goodsselling device (18) and utilizing the banknote packages (11)encapsulated by using a continuous film of FIG. 11;

FIG. 13 is a visualized stereo schematic drawing of a roll of banknotepackages (11) encapsulated in a continuous film;

FIG. 14 is a structural schematic drawing of the banknote box (2) forloading the banknote packages (11) encapsulated in a continuous film ofFIG. 13;

FIG. 15 is a structural schematic drawing of the ATM utilizing thebanknote box (2) of FIG. 14; and

FIG. 16 is the structural schematic drawing of another embodiment of theATM utilizing the banknote box (2) of FIG. 14.

The figures are illustrative for describing the structure and mainfeatures of this invention, in which the same numerals represent thesame system, device and components.

MODE OF CARRYING OUT THE INVENTION

The method of this invention is further described in details hereinafterwith reference to the figures.

Referring to FIG. 1 to 3, FIG. 1 is a structural schematic drawing ofthe ATM of this invention; FIG. 2 is a visualized stereo schematicdrawing of the ATM of this invention; and FIG. 3 is a front view of theATM of this invention. The ATM as shown in FIGS. 1 to 3 mainly comprisesa control and communication circuit unit (1), one to more banknote boxes(2), a display (3), a keyboard (4), a card reader (5), a receipt printer(6), a transfer roller (7), an output opening (8) and a banknote supplyinlet (9), wherein the control and communication circuit unit (1) isprovided therein with a computer and a communication device forexchanging information with the bank account system, and controls theoperation of each component based on a predetermined program,characterized in that the banknote box (2) is loaded therein with aplurality of banknote packages (11), each banknote package (11) packingtherein one to hundreds of banknotes (1104), and when the payeewithdraws money, the ATM reads the payee's account information such asthe bank card number via the card reader (5) and receives the passwordof the bank card and withdrawal information input by the payee via thekeyboard (4); then the control and communication circuit unit (1)transmits the account information such as the bank card number and thepassword as well as the withdrawal information to the bank accountsystem for checking; after checking, the bank account system performsrelated withdrawal operation on the account of the bank card numberbased on the predetermined program and transmits authorizationinformation of performing withdrawal to the control and communicationcircuit unit (1); the control and communication circuit unit (1)controls the banknote box (2) and the transfer roller (7) in the ATM tooutput a banknote package (11) corresponding to the amount of money tobe withdrawn to banknote output opening (8) for the payee to withdraw.

Again referring to FIG. 1 to 3, the ATM as shown in the embodiment inthe figures has thereon altogether twelve banknote boxes (2). Differentbanknote boxes (2) can be used to accommodate banknote packages (11) indifferent amounts, usually banknote packages (11) in amounts of 100Yuan, 300 Yuan, 500 Yuan, 1,000 Yuan, 2,000 Yuan, 3,000 Yuan, 5,000Yuan, 10,000 Yuan, 20,000 Yuan, 30,000 Yuan, 50,000 Yuan and 80,000Yuan, which can satisfy the need of withdrawal of the general user.Besides, banknote boxes (2) in different amounts can also be providedaccording to the demand of most of the users. However, the amount of thebanknote boxes (2) and the amount of the banknotes are not used to limitthe scope of protection of this invention. The ATM of this invention maybe provided with only one banknote box (2), and may also be providedwith a plurality of banknote boxes (2). All these cases canmagnificently achieve the object of this invention and thus fall intothe scope of this invention.

Again referring to FIG. 1 to 3, the card reader (5) shown in the figuresis a magnetic card reader or a contact IC card reader or a contactlessIC card reader.

Referring to FIG. 4, FIG. 4 is visualized stereo schematic drawing ofthe banknote package (11) of this invention. The banknote package (11)as shown in the figure packs one to hundreds of banknotes (1104) byusing a packaging material (1101) on which security information of thebanknote package (11) is printed. The security information includes theserial number, the production date, the production number, the banknotecode of each banknote (1104) within the banknote package (11), theamount of the banknotes (1104) of each different denomination within thebanknote package (11), the total amount of the banknotes (1104) withinthe banknote package (11), the identification code and theidentification bar code (1102). The security information, printed on thebanknote package (11) during production and preserved in the bankaccount system, can also be used as evidence for tracing when a problemoccurs. For example, if a user complains about drawing counterfeitbanknotes from the ATM, it is possible to know whether the banknotes(1104) are withdrawn from the ATM or not according to the record ofbanknote codes among the security information to thereby makeappropriate settlement.

Again referring to FIG. 4, the identification bar code (1102) on thebanknote package (11) as shown in the figure is printed on both the topand the bottom of the packaging material (1101) of the banknote package(11), so that when the banknote package (11) is output from the banknotebox (2), the banknote box (2) can know whether there is an error withthe output banknote package (11) according to the two identification barcodes (1102) on the top and the bottom of the packaging material (1101).If the banknote box (2) detects two identical identification bar codes(1102) simultaneously, it means that the banknote box (2) is outputtingone banknote package (11). If the banknote box (2) detects two differentidentification bar codes (1102) simultaneously, it means that an errorpossibly occurs, and the banknote box (2) is outputting more than onebanknote package (11). In this case, the banknote box (2) can stopoutputting the banknote packages (11) immediately and send the banknotepackages (11) back to the banknote box (2) so as to avoid error with thewithdrawal operation.

In addition, besides the banknotes (1104) other articles can also bepackaged together with the banknotes (1104) within the banknote package(11). That is, the banknote package (11) packs therein one to hundredsof banknotes (1104) and an annexation (1103) by using the packagingmaterial (1101). The annexation (1103) includes coupons, rebate coupons,advertisement hand bills, train (bus) tickets, steamer tickets, entrancetickets, chamber cards, golf cards, rebate cards, charge cards, publictraffic cards, phone cards, phone recharge cards, mobile phone rechargecards, game recharge cards, gifts, candies, foods, etc. Referring toFIG. 5, FIG. 5 is a visualized stereo schematic drawing of oneembodiment of the banknotes (1104) packed together with the annexationin the banknote package (11) of this invention. As shown in the figureare a plurality of banknotes (1104) rolled with the annexations (1103),i.e. the candies. In the way, the designated annexations can be sold tothe customer along with the banknotes (1104) via the ATM when thecustomer withdraws money by binding some annexations with the banknotes.For example, banknotes (1104) in amount of 150 Yuan and one publictraffic card in denomination of 50 Yuan can be placed within onebanknote package (11) in amount of 200 Yuan. Also for example, banknotes(1104) in amount of 200 Yuan and one phone recharge card in denominationof 100 Yuan can be placed within one banknote package (11) in amount of300 Yuan. All these cases can magnificently achieve the object of thisinvention and thus fall into the scope of this invention. The ATM canalso be used as a tool for issuing cards, for example issuing a bearercharge card through the ATM, which charge card can be opened only whenmoney is deposited in the charge card.

Furthermore, the packaging material (1101) of the banknote package (11)can also be printed thereon with various advertisement information toincrease the operation income of the ATM by charging advertising fee.

Again referring to FIG. 4, the banknotes (1104) in the banknote package(11) as shown in the figure can also be old banknotes (1104) besidesbrand new banknotes (1104). Since the banknotes (1104) are packed in abanknote package (11) in advance, the requirement on the banknotes(1104) is not high so long as the banknotes (1104) can be packed in thebanknote package (11). Besides, some small paper money can also bepacked in the banknote package (11). For example, in a banknote package(11) in amount of 500 Yuan, there can be packed with four banknotes(1104) in denomination of 100 Yuan, one banknote (1104) in denominationof 50 Yuan, three banknotes (1104) in denomination of 10 Yuan, twobanknotes (1104) in denomination of 5 Yuan and 10 banknotes (1104) indenomination of 1 Yuan. This way can not only render convenience to thepayee, but also can enable the banknotes (1104) in small denominationwithin the bank to recirculate in the market.

Referring to FIG. 6, FIG. 6 is a structural schematic drawing of thebanknote box (2) of the ATM of this invention. The banknote box (2) asshown in the figure comprises a controller (201), a storage bin (202), ahoisting device (203), a banknote dispenser (204) and a bar code reader(205), wherein the controller (201) automatically controls the operationof each component based on a predetermined program according to theoperation of the control and communication circuit unit (1); and

the hoisting device (203) is located in the storage bin (202), mainlyused for driving the banknote packages (11) loaded within the storagebin (202) to move upward or downward;

the banknote dispenser (204) is located at the top of the storage bin(202) and provided with a friction roller and a transfer roller, mainlyused for transferring the top one of the banknote packages (11) loadedwithin the storage bin (202) out of the banknote box (2);

the bar code readers (205) are located above and below the outlet of thebanknote box (2), mainly used for reading the identification bar code(1102) on the packaging material (1101) of the banknote package (11) tobe input/output to/from the banknote box (2) and transmitting the readinformation of the identification bar code (1102) to the control andcommunication circuit unit (1) for further processing; and

when the controller (201) outputs a banknote package (11) according tothe operation of the control and communication circuit unit (1), itcontrols the hoisting device (203) to ascend for causing the banknotepackages (11) loaded within the storage bin (202) to move to the top ofthe storage bin (202); the banknote dispenser (204) transfers thebanknote package (11) at the top out of the banknote box (2); and thenthe banknote package (11) falls to the outlet opening (8) from thebanknote box (2) for the payee to withdraw; and

when the controller (201) inputs banknote packages (11) according to theoperation of the control and communication circuit unit (1), it controlsthe hoisting device (203) to move up and down for leaving apredetermined space between the top of the banknote package (11) loadedwithin the storage bin (202) and the top of the storage bin (202); andthen the banknote dispenser (204) transfers the banknote package (11) tobe input into the storage bin (202) from the outside of the banknote box(2); and

when the banknote box (2) outputs a banknote package (11), if the twobar code readers (205) located above and below the outlet of thebanknote box (2) read information of the same identification bar code(1102), it means that the banknote box (2) is outputting one banknotepackage (11); and if the two bar code readers (205) located above andbelow the outlet of the banknote box (2) read information of twodifferent identification bar codes (1102), it means that there is anerror with the operation of outputting of banknote package (11) by thebanknote box (2), and the banknote box (2) is outputting more than onebanknote package (11); in this case the controller (201) immediatelycontrols the banknote box (2) to stop operation of outputting of thebanknote packages (11) and transmits the related information of wrongoperation to the control and communication circuit unit (1) for furtherprocessing.

Referring to FIG. 7, FIG. 7 is a schematic drawing of the banknotesupply device (12) of this invention when supplying the ATM withbanknote packages (11). The ATM as shown in the figure further comprisesa banknote supply device (12), mainly used for inputting banknotepackages (11) into the banknote box (2) of the ATM from the outside ofthe ATM. The banknote supply device (12) is provided with a supplycontroller (1201), a plurality of transfer rollers (1202) and aplurality of banknote boxes (2), wherein the supply controller (1201)controls the operation of each of transfer rollers (1202) and each ofthe banknote boxes (2) based on a predetermined program for transferringbanknote packages (11) within the banknote boxes (2) of the banknotesupply device (12) into the banknote boxes (2) within the ATM. When thebanknote supply device (12) is used to supply the ATM, the banknotesupply device (12) is first brought into abutment joint with the ATM viathe banknote supply inlet (9) of the ATM with the supply controller(1201) of the banknote supply device (12) being connected to the controland communication circuit unit (1) of the ATM; and then the supplycontroller (1201) controls each of the banknote boxes (2) and transferrollers (1202) to transfer the banknote packages (11) loaded within eachbanknote box (2) into the banknote boxes (2) in the ATM one by one, andthe supply control (1201) and the control and communication circuit unit(1) will respectively record detailed operation information of thebanknote packages (11) output into the ATM from the banknote supplydevice (12), and transmit them to the bank account system. To supply theATM with banknote packages (11) by using the banknote supply device (12)can increase the supply efficiency. When supplying banknotes to the ATM,the banks at the present time will generally replace all the banknoteboxes in the ATM with new banknote boxes fully loaded with banknotes andtransport the original banknote boxes back to the clearing center of thebanks for re-clearing because the banknote boxes of the general ATMgenerally cannot be supplied with banknotes on site. Even if thebanknotes within an individual banknote box are not used up, thebanknote box still needs to be replaced along with all the others, whichis very expensive in human resources. By using the banknote supplydevice (12) of this invention, it can supply each banknote box (2) inthe ATM with the banknote package (11) that has not been drawn leftwithin the banknote box (2); hence, it is not necessary to transport theoriginal banknote boxes (2) away from the ATM, which reduces trouble oftransporting banknotes back and forth.

Referring to FIG. 8, FIG. 8 is a visualized stereo schematic drawing ofthe ATM of this invention additionally provided with an image scanningdevice (13), a video phone device (14), and a WiFi device (16) etc. TheATM as shown in the figure is further provided with an imaging scanningdevice (13), mainly used for scanning contents such as text informationand bar code on the fee payment slip. The control and communicationcircuit unit (1) reduces the scanned image content to text informationor bar code information by an optical recognition software, and then thecontrol and communication unit (1) executes corresponding accounttransfer and payment operation via the bank card account of the cardowner based on the content of the text information. In this description,WiFi (Wireless Fidelity) is an industry standard IEEE802.11 of wirelessnetwork communication defined by IEEE. WiFi device (16) is a wirelessnetwork communication device that conforms to this standard.

Again referring to FIG. 8, the ATM as shown in the figure is furtherprovided with a video phone device (14), mainly used for providing videophone service to the bank card owner via the ATM and charging fee forthe video phone service via the bank card account of the bank cardowner.

Again referring to FIG. 8, the ATM as shown in the figure is furtherprovided with a fax device (15) which a scanner and a printer areprovided thereon, mainly used for providing fax service to the bank cardowner via the ATM and charging fee for the fax service via the bank cardaccount of the card owner. When the bank card owner sends a fax by usingthe ATM, he only needs to insert a bank card into the ATM and selectsend fax service and input bank card password via the keyboard (4).After the ATM and bank account system check the password and theaccount, the card owner can put the document to be faxed in the scanningdevice (15) for scanning and input the telephone number of the fax ofthe recipient via the keyboard (4). The fax device (15) will scan thecontent of the document and transmit it to the fax of the recipient.After the fax service is completed, the ATM will charge fee for the faxservice from the bank card account via the bank account system. When theowner of the bank card receives fax by using the ATM, he only needs toinsert a bank card into the ATM and select receive fax service and inputthe bank card password via the keyboard (4), and input the page numberof the fax to be received and the telephone number of the fax of thesender via the keyboard (4). After the ATM and the bank account systemcheck the password and the account, the ATM will transfer account fromthe bank card account to charge corresponding fee for the fax servicevia the bank account system and display the telephone number of the faxof the ATM. The card owner informs the sender to fax a document to thetelephone number of the fax of the ATM by using the fax of a designatedtelephone number of the sender within a designated time period (forexample 10 minutes). Then, the card owner can leave the ATM for themoment so that someone else can use the ATM. When the sender faxes thedocument to the ATM, the fax device (15) will print the fax from thesender received previously for the card owner as long as the card ownerplaces the bank card on the card reader for reading.

Again referring to FIG. 8, the ATM as shown in the figure is furtherprovided with a WiFi device (16), mainly used for providing WiFiwireless internet access to the wireless internet device of the bankcard owner via the ATM and charging fee for the internet service via thebank card account of the card owner.

Referring to FIG. 9, FIG. 9 is a structural schematic drawing of the ATMof this invention additionally provided with an automatic an automaticgoods selling device (18). The ATM as shown in the figure is furtherprovided with one to more automatic goods selling device (18) providedwith a conveyor (1801) and a cutting device (1802). The automatic goodsselling device (18) will output a goods package (19) to a goods outlet(17) according to the operation of the control and communication circuitunit (1). The goods package (19) includes goods encapsulated by using acontinuous film. Besides, a plurality of goods packages (19) areconnected in string by a film encapsulation material. When the controland communication circuit unit (1) controls the automatic goods sellingdevice (18) to output a goods package (19), the conveyor (1801) willtransfer the foremost one of the goods packages (19) connected in stringto a predetermined position of the cutting device (1802). Then, thecutting device (1802) will cut off the film encapsulation materialconnecting the goods package (19) with the following goods package (19),such that the goods package (19) falls to the goods output (17).

Again referring to FIG. 9, in the embodiment of FIG. 9 the ATM canprovide banknote withdrawal and goods selling services simultaneously.It is ok to pay via a bank card, including withdrawing money from thebank card account, buying goods by account transfer to pay via the bankcard, withdrawing money from the bank card account and buying goods byaccount transfer to pay via the bank card. It is also possible that theATM automatically outputs a goods package (19) to the payee for freewhen the payee withdraws money so as to attract the bank card owner towithdraw money from the ATM as much as possible.

Besides providing money withdrawal service, the ATM of this inventioncan also be used as a payment terminal. As long as the control andcommunication circuit unit (1) is embedded with a related program inadvance, then the reader (5) reads information such as the bank cardcode of the payee and receives information such as the bank cardpassword of the payer and the payment amount via the keyboard (4), it ispossible to perform account transfer for paying via the ATM and bankaccount system. For example, the ATM can be positioned at the exit of aparking lot for the car owners to pay parking fee by using a bank card,and the car owners can also withdraw banknote packages (11) when paying.

In the description, bank cards refer to various cards issued by banks orfinancial institutions, including credit cards, charge cards, debitcards, cash cards, cash withdrawal cards, public traffic cards, etc.These cards may be traditional magnetic cards, or contact intelligentcards, or non-contact intelligent cards.

Referring to FIG. 10, FIG. 10 is a structural schematic drawing ofanother embodiment of the ATM of this invention additionally providedwith an automatic goods selling device (18). Compared with theembodiment of FIG. 9, the difference is the position of each component.Both the embodiments of FIG. 9 and FIG. 10 can magnificently achieve theobject of this invention and thus fall into the scope of protection ofthis invention.

In addition, even further improvement of this invention is that thecommunication between the ATM and the bank account system is encryptedand decrypted by using a one-time secret key. That is, a plurality ofone-time secret keys are stored in advance within the control andcommunication circuit unit (1) with each one-time secret keycorresponding to one reference number. Besides, in the bank accountsystem the same one-time secret keys and reference numbers are alsostored in advance. Whenever the control and communication circuit unit(1) transmits information to the bank account system, the control andcommunication circuit unit (1) encrypts the information by using anunused one-time secret key and transmits the encrypted information alongwith the reference sign of the one-time secret key to the bank accountsystem. The bank account system extracts one corresponding one-timesecret key according to the reference number to decrypt the informationto reduce to the original information. When the bank account systemtransmits information to the control and communication circuit unit (1),the bank account system encrypts the information by using one of theunused one-time secret key, and then transmits the encrypted informationalong with the reference number of the one-time secret key to thecontrol and communication circuit unit (1). The control andcommunication circuit unit (1) extracts one corresponding one-timesecret key according to the reference number to decrypt the informationto reduce to the original information. Besides, the control andcommunication circuit unit (1) or the bank account system will deletethe used one-time secret key and the corresponding reference number soas to ensure that the one-time secret key will not be used repeatedly.

Referring to FIGS. 11 and 12, FIG. 11 is a visualized stereo schematicdrawing of the banknote packages (11) encapsulated by using a continuousfilm, and FIG. 12 is a structural schematic drawing of anotherembodiment of the ATM of this invention additionally provided with anautomatic goods selling device (18) and using the banknote packages (11)encapsulated by using a continuous film. The embodiments of FIG. 11 andFIG. 12 are further improvement of this invention. Compared with theprevious embodiments, the main difference of the embodiments of FIG. 11and FIG. 12 is that the embodiments of FIG. 11 and FIG. 12 use banknotepackages (11) continuously packed. To pack a plurality of banknotepackages (11) in string by using a continuous film packaging material(1101) can facilitate transportation and management. Since the banknotepackages (11) of the string are the same in amount, chance of error thatoccurs during processing of the banknote package (11) can be reduced.Again referring to FIG. 11, the banknote packages (11) as shown in thefigure are encapsulated using a continuous film. A plurality of banknotepackages (11) are connected in string by using a film packaging material(1101), the film packaging material (1101) is plastic or paper or metalfilm coated with plastic on the surface.

Again referring to FIG. 12, the banknote box (2) of the ATM as shown inthe FIG. 12 comprises a controller (201), a storage bin (202), ahoisting device (203), a banknote dispenser (204) and a bar code reader(205), wherein the controller (201) automatically controls the operationof each component based on a predetermined program according to theoperation of the control and communication circuit unit (1); and

the hoisting device (203) is located within the storage bin (202),mainly used for driving the banknote packages (11) within storage bin(202) to move upward or downward;

the banknote dispenser (204) is located at the outlet on the top of thestorage bin (202) and is provided with a transfer roller and a conveyorbelt, mainly used for transferring the banknote packages (11) within thestorage bin (202) out of the banknote bin (2), and is further providedwith a cutting device (2041), mainly used for cutting off the packagingmaterial (1101) connecting the banknote package (11) to be output to thepayee and the banknote packages (11) within the banknote bin (2), suchthat the banknote package (11) leaves the banknote box (2) to fall tothe output opening for the payee to withdraw;

the bar code readers (205) are located above and below the outlet of thebanknote box (2), mainly used for reading the identification bar code onthe packaging material (1101) of the banknote packages (11) to be inputand output from the banknote box (2) and then transmitting the readinformation of the identification serial number bar code (1102) to thecontrol and communication circuit unit (1) for further processing; and

when the controller (201) outputs the banknote packages (11) accordingto the operation of the control and communication circuit unit (1), thecontroller (201) controls the banknote dispenser (204) to transfer onebanknote package (11) within the storage bin (202) out of the banknotebox (2); then the cutting device (2041) cuts off the packaging material(1101) connecting the banknote package (11) with the banknote packages(11) within the banknote box (2), such that the banknote package (11)leaves the banknote box (2) to fall to the output opening for the payeeto withdraw; and

when the controller (201) inputs banknote packages (11) according to thecontrols of the control and communication circuit unit (1), thecontroller (201) controls the hoisting device (203) to move up and downsuch that a predetermined space is kept between the top of the storagebin (202) and the banknote packages (11) within the storage bin (202)for banknote packages (11) to enter the storage bin (2) based on apredetermined program; and then the banknote dispenser (204) transfersthe banknote packages (11) into the storage bin (202) to be input fromthe outside of the banknote box (2) one by one.

Referring to FIGS. 13 to 15, FIG. 13 is a visualized stereo schematicdrawing of a roll of banknote packages encapsulated in a continuousfilm; FIG. 14 is a structural schematic drawing of the banknote box (2)for loading the banknote packages (11) encapsulated in a continuous filmof FIG. 13; and FIG. 15 is a structural schematic drawing of the ATM byusing the banknote box (2) of FIG. 14. The banknote packages (11) asshown in FIG. 13 are stored on the storage roller (206) in the form of awhole roll. Compared with the banknote packages (11) in FIG. 11, thedifference is that the banknote packages (11) in FIG. 11 are overlappedin a zigzag form, while the banknote packages (11) in FIG. 13 are storedin a form of a whole roll.

Again referring to FIGS. 14 and 15, the banknote box (2) of the ATM asshown in the figures comprise a controller (201), a banknote dispenser(204), a bar code reader (205), a storage roller (206) and a motor(207), wherein the controller (201) automatically controls the operationof each component based on a predetermined program according to theoperation of the control and communication circuit unit (1); and

the banknote dispenser (204) is located at the outlet of the banknotebox (2) and provided with a transfer roller and a conveyor belt, mainlyused for transferring the banknote packages (11) loaded the storageroller (206) out of the banknote box (2), and is further provided with acutting device (2041), mainly used for cutting off the packagingmaterial (1101) connecting the banknote package (11) to be output to thepayee and the banknote packages (11) within the banknote box (2), suchthat the banknote package (11) leaves the banknote package (2) to fallto the outlet opening (8) for the payee to withdraw;

the bar code readers (205) are located above and below the outlet of thebanknote box (2), mainly used for reading the identification number barcode (1102) on the packaging material (1101) of the banknote packages(11) to be input and output from the banknote box (2) and thentransmitting the read information of identification bar code (1102) tothe control and communication circuit unit (1) for further processing;

the motor (207) is mainly used for driving the storage roller (206) torotate in cooperation with the operations such as inputting andoutputting of banknote packages (11) of the banknote box (2); and

when the controller (201) outputs the banknote packages (11) accordingto the operation of the control and communication circuit unit (1), thecontroller (201) controls the banknote dispenser (204) to transfer onebanknote package (11) on the storage roller (206) out of the banknotebox (2); then the cutting device (204) cuts off the packaging material(1101) connecting the banknote package (11) with the banknote packages(11) within the banknote box (2), such that the banknote package (11)leaves the banknote box (2) to fall to the output opening (8) for thepayee to withdraw; and

when the controller (201) inputs banknote packages (11) according to theoperation of the control and communication circuit unit (1), thecontroller (201) controls the banknote dispenser to transfer thebanknote packages (11) to be input into the banknote box (2) from theoutside of the banknote box (2) one by one; and then the motor (207)drives the storage roller (206) to rotate so as to roll the inputbanknote packages (11) onto the storage roller (206).

Again referring to FIGS. 12 and 15, the ATM as shown in FIGS. 12 and 15use banknote packages (11) encapsulated in a continuous film. When thebanknote supply device (12) is used to supply banknote packages, thepackaging material (1101) of the banknote packages (11) in the banknotebox (2) of the ATM should be adhered together with the packagingmaterial (1101) of the banknote packages (11) in the banknote box (2)within the banknote supply device (12), such that two strings ofbanknote packages (11) are adhered as one string. Then, it is possibleto start transferring the banknote packages (11) in the banknote box (2)of the banknote supply device (12) into the banknote box (2) of the ATM.

Referring to FIG. 16, FIG. 16 is a structural schematic drawing ofanother embodiment of the ATM by using the banknote box (2) of FIG. 14.Compared with the ATM of FIG. 15, the difference is that each banknotebox (2) of the ATM as shown in FIG. 16 has altogether four storagerollers (206), four motors (207), four pairs of bar code readers (205),and one controller (201), wherein each banknote box (2) may respectivelystore four banknote packages (11) in different amounts. The embodimentsof FIGS. 16 and 15 are different in the amount of the components withinthe banknote box (2). Both the embodiments of FIGS. 16 and 15 canmagnificently achieve the object of this invention and thus fall intothe scope of protection of this invention.

In addition, this invention is described by using the aforesaidembodiments, but not limited to these, and it can have many changes andvariations without departing from the spirit of this invention and thescope of the appended claims.

The ATM of this invention, which is simple in structure and low in cost,can efficiently solve the problem caused by using old banknotes to theATM. Besides, the ATM of this invention can be used for other additionalpurposes, including goods selling, fax, video meeting, and WiFi internetaccess. The implementation thereof will bring about good social effectand economic effect.

1. An automatic teller machine, mainly comprising a control andcommunication circuit unit (1), one to more banknote boxes (2), adisplay (3), a keyboard (4), a card reader (5), a receipt printer (6), atransfer roller (7), an output opening (8) and a banknote supply inlet(9), wherein the control and communication circuit unit (1) is providedtherein with a computer and a communication device exchanginginformation with the bank account system, and controls the operation ofeach component based on a predetermined program, characterized in thatthe banknote box (2) is loaded with a plurality of banknote packages(11), each banknote package (11) packing therein one to hundreds ofbanknotes (1104), and that when a payee withdraws money, the ATM readsthe payee's account information such as the bank card number via thecard reader (5) and receives the password of the bank card and thewithdrawal information inputted by the payee via the keyboard (4); thenthe control and communication circuit unit (1) transfers the accountinformation such as the bank card number and the password as well as thewithdrawal information to the bank account system for checking andreceives information of authorization for this withdrawal operation fromthe bank account system; and the control and communication circuit unit(1) controls the banknote box (2) and the transfer roller (7) of theautomatic teller machine to output a banknote package (11) correspondingto the amount of money to be withdrawn to the output opening (8) for thepayee to withdraw.
 2. The automatic teller machine according to claim 1,characterized in that the card reader (5) is a magnetic card reader or acontact intelligent card reader or a contactless intelligent cardreader.
 3. The automatic teller machine according to claim 1,characterized in that the banknote package (11) is one to hundreds ofbanknotes (1104) encapsulated by a packaging material (1101) on whichsecurity information of the banknote package (11) is printed, thesecurity information including the serial number, the production date,the production number, the banknote codes of the banknotes (1104) withinthe banknote package (11), the amounts of the banknotes (1104) indifferent denominations within the banknote package (11), the totalamount of the banknotes (1104) within the banknote package (11), anidentification code, or an identification bar code (1102).
 4. Theautomatic teller machine according to claim 3, characterized in that theidentification bar code (1102) is printed on both the top and bottom ofthe packaging material (1101) for the banknote package (11).
 5. Theautomatic teller machine according to claim 3, characterized in that thebanknote package (11) includes one to hundreds of banknotes (1104) andan annexation (1103) encapsulated by the packaging material (1101), theannexation (1103) including coupons, rebate coupons, advertisement handbills, train tickets, bus tickets, steamer tickets, entrance tickets,chamber cards, golf cards, rebate cards, charge cards, public trafficcards, phone cards, phone recharge cards, mobile phone recharge cards,game recharge cards, gifts, candies, or foods.
 6. The automatic tellermachine according to claim 3, characterized in that the packagingmaterial (1101) for the banknote package (11) is further printed withadvertisement information.
 7. The automatic teller machine according toclaim 3 or 4 or 5 or 6, characterized in that the banknote package (11)is encapsulated by a continuous film, a plurality of banknote packages(11) being connected in string by the film packaging material (1101),and that the film packaging material (1101) is plastic, paper, or metalfilm coated with plastic thereon.
 8. The automatic teller machineaccording to claim 1, characterized in that the banknote box (2)comprises a controller (201), a storage bin (202), a hoisting device(203), banknote dispenser (204) and bar code readers (205), wherein thecontroller (201) automatically controls the operation of each componentbased on a predetermined program according to the operation of thecontrol and communication circuit unit (1); and the hoisting device(203) is located within the storage bin (202), mainly used for drivingthe banknote packages (11) stored in the storage bin (202) to moveupward or downward; the banknote dispenser (204) is located at the frontof the storage bin (202) and is provided with a friction roller and atransfer roller, mainly used for transferring the top one of thebanknote packages (11) stored in the storage bin (202) out of thebanknote box (2); the bar code readers (205) are located above and belowthe outlet of the banknote box (2), mainly used for reading theidentification bar code (1102) on the packaging material (1101) of thebanknote packages (11) to be inputted and outputted by the banknote box(2) and transmitting the read information of the identification bar code(1102) to the control and communication circuit unit (1) for furtherprocessing; and when the controller (201) outputs banknote packages (11)according to the operation of the control and communication circuit unit(1), the controller (201) controls the hoisting device (203) to ascendtill the banknote packages (11) loaded within the storage bin (202) moveto the top of the storage bin (202); the banknote dispenser (204)transfers the package (11) at the top out of the banknote box (2); andthen the banknote package (11) falls to the outlet opening (8) from thebanknote box (2) for the payee to withdraw; and when the controller(201) inputs banknote packages (11) according to the operation of thecontrol and communication circuit unit (1), the controller (201)controls the hoisting device (203) to move up and down to leave apredetermined space between the top of the banknote packages (11) storedin the storage bin (202) and the top of the storage bin (202), and thenthe banknote dispenser (204) transfers the banknote package (11) to beinputted into the storage bin (202) from the outside of the banknote box(2).
 9. The automatic teller machine according to claim 1, characterizedin that the banknote box (2) comprises a controller (201), a storage bin(202), a hoisting device (203), a banknote dispenser (204) and a barcode reader (205), wherein the controller (201) automatically controlsthe operation of each component based on a predetermined programaccording to the operation of the control and communication circuit unit(1); and the hoisting device (203) is located within the storage bin(202), mainly used for driving the banknote packages (11) in the storagebin (202) to move upward or downward; the banknote dispenser (204) islocated at the outlet of the top of the storage bin (202) and isprovided with a transfer roller and a conveyor belt, mainly used fortransferring the banknote packages (11) in the storage bin (202) out ofthe banknote box (2), and further provided with a cutting device (2041),mainly used for cutting off the packaging material (1101) connecting thebanknote package (11) to be output to the payee with the banknotepackages (11) in the banknote bin (2), such that the banknote package(11) leaves the banknote bin (2) to fall to the output opening (8) forthe payee to withdraw; the bar code readers (205) are located above andbelow the outlet of the banknote box (2), mainly used for reading theidentification bar code (1102) on the packaging material (1101) of thebanknote packages (11) to be input and output by the banknote box (2)and transmitting the read information of the identification bar code(1102) to the control and communication circuit unit (1) for furtherprocessing; and when the controller (201) outputs banknote packages (11)according to the operation of the control and communication circuit unit(1), the controller (201) controls the banknote dispenser (204) totransfer one banknote package (11) within the storage bin (202) out ofthe banknote box (2); and then the cutting device (2041) cuts off thepackaging material (1101) connecting the banknote package (11) with thebanknote packages (11) in the banknote box (2), such that the banknotepackage (11) leaves the outlet of the banknote box (2) to fall to theoutput opening (8) for the payee to withdraw; and when the controller(201) inputs banknote packages (11) according to the operation of thecontrol and communication circuit unit (1), the controller (201)controls the hoisting device (203) to move up and down to leave apredetermined space between the top of the storage bin (202) andbanknote packages (11) in the storage bin (202) so that banknotepackages (11) can enter the storage bin (202) according to apredetermined program; and then the banknote dispenser (204) transfersthe banknote packages (11) to be input into the storage bin (202) fromthe outside of the banknote box (2) one by one.
 10. The automatic tellermachine according to claim 1, characterized in that the banknote box (2)comprises a controller (201), a banknote dispenser (204), a bar codereader (205), a storage roller (206) and a motor (207), wherein thecontroller (201) automatically controls the operation of each componentbased on a predetermined program according to the operation of thecontrol and communication circuit unit (1); and the banknote dispenser(204) is located at the outlet of the storage bin (202) and is providedwith a transfer roller and a conveyor belt, mainly used for transferringthe banknote packages (11) loaded on the transfer roller (206) out ofthe banknote box (2), and is further provided with a cutting device(2041), mainly used for cutting off the packaging material (1101)connecting the banknote package (11) to be output to the payee with thebanknote packages (11) in the banknote box (2), such that the banknotepackage (11) leaves the banknote box (2) to fall to the output opening(8) for the payee to withdraw; the bar code readers (205) are locatedabove and below the outlet of the banknote box (2), mainly used forreading the identification bar code (1102) on the packaging material(1101) of the banknote packages (11) to be input/output to/from thebanknote box (2) and transmitting the read information of theidentification bar code (1102) to the control and communication circuitunit (1) for further processing; the motor (207) is mainly used fordriving the storage roller (206) to rotate in cooperation withoperations such as inputting/outputting banknote packages (11) to/fromthe banknote box (2); and when the controller (201) outputs banknotepackages (11) according to the operation of the control andcommunication circuit unit (1), the controller (201) controls thebanknote dispenser (204) to transfer one banknote package (11) on thestorage roller (206) out of the banknote package box (2); and then thecutting device (2041) cuts off the packaging material (11) connectingthe banknote package (11) with the banknote packages (11) in thebanknote box (2), such that the banknote package (11) leaves the outletof the banknote box (2) to fall to the output opening (8) for the payeeto withdraw; and when the controller (201) inputs banknote packages (11)according to the operation of the control and communication circuit unit(1), the controller (201) controls the banknote dispenser (204) totransfer the banknote packages (11) to be input into the banknote box(2) from the outside of the banknote box (2) one by one, and then themotor (207) drive the storage roller (206) to rotate to roll the inputbanknote packages (11) onto the storage roller (206).
 11. The automaticteller machine according to claim 8 or 9 or 10, characterized in thatwhen the banknote box (2) outputs banknote packages (11), if theinformation from the identification bar code (1102) read by two bar codereaders (205) located above and below the outlet of the banknote box (2)are identical, that means the banknote box (2) is outputting onebanknote package (11); and if the two bar code readers (205) locatedabove and below the outlet of the banknote box (2) read information oftwo different identification bar codes (1102) are not identical, thatmeans there is an error during the operation of outputting banknotepackages (11) from the banknote box (2), and more than one banknotepackage (11) are output from the banknote box (2); and in this case, thecontroller (201) immediately controls the banknote box (2) to stop theoperation of outputting of the banknote packages (11) and transmits therelated information of the wrong operation to the control andcommunication circuit unit (1) for further processing.
 12. The automaticteller machine according to claim 1 or 8 or 9 or 10, characterized inthat the automatic teller machine further comprises a banknote supplydevice (12) with which a supply control (1201), a plurality of transferrollers (1202) and a plurality of banknote boxes (2) are provided,mainly used for inputting banknote packages (11) into the banknote box(2) of the automatic teller machine from the outside of the automaticteller machine, wherein the supply control (1201) controls the operationof each of the transfer rollers (1202) and banknote boxes (2) based on apredetermined program to transfer the banknote packages (11) in thebanknote boxes (2) of the banknote supply device (12) into the banknoteboxes (2) of the automatic teller machine.
 13. The automatic tellermachine according to claim 12, characterized in that when the banknotesupply device (12) is used to supply the automatic teller machine withbanknotes, it is first brought into abutment joint with the automaticteller machine via the bank supply inlet (9) of the automatic tellermachine, and the supply control (1201) of the banknote supply device(12) is connected with the control and communication circuit unit (1) ofthe automatic teller machine through wires; then the supply control(1201) controls each of the banknote boxes (2) and the transfer roller(1202) to transfer the banknote packages (11) loaded in each banknotebox (2) into the banknote box (2) in the automatic teller machine one byone; and the supply control (1201) and the control and communicationcircuit unit (1) will respectively record the detailed information ofoperations of outputting the banknote packages (11) from the banknotesupply device (12) to the automatic teller machine, which is transferredto the bank account system by the control and communication circuit unit(1).
 14. The automatic teller machine according to claim 1,characterized in that the automatic teller machine is further providedwith an image scanning device (13), mainly used for scanning contentssuch as text information and bar code on the fee payment slip, thecontrol and communication circuit unit (1) reducing the scanned imagecontent to text information or bar code information by using an opticalrecognition software and then the control and communication unit (1)executing corresponding account transfer and payment operation via thebank card account of the owner based on the text information.
 15. Theautomatic teller machine according to claim 1, characterized in that theautomatic teller machine is further provided with a video phone device(14), mainly used for providing video phone service to the bank cardowner through the automatic teller machine and charging fee for thevideo phone service through the bank card account of the card owner. 16.The automatic teller machine according to claim 1, characterized in thatthe automatic teller machine is further provided with a fax device (15)provided thereon with a scanner and a printer, the fax device (15) beingmainly used for providing fax service to the bank card owner through theautomatic teller machine and charging fee for fax service through thebank card account of the card owner.
 17. The automatic teller machineaccording to claim 1, characterized in that the automatic teller machineis further provided with a WiFi device (16), mainly used for providingWiFi wireless internet access to the wireless internet device of thebank card owner through the automatic teller machine and charging feefor the internet service through the bank card account of the cardowner.
 18. The automatic teller machine according to claim 1,characterized in that the automatic teller machine is further providedwith one to more automatic goods selling devices (18) provided thereonwith a conveyor (1801) and a cutting device (1802), wherein theautomatic goods selling device (18) will output a goods package (19) toa goods outlet (17) according to the operation of the control andcommunication circuit unit (1), the goods package (19) including goodsencapsulated by using a continuous film, and a plurality of goodspackages (19) being connected in string by using a film encapsulationmaterial, and that when the control and communication circuit unit (1)controls the automatic goods selling device (18) to output goodspackages (19), the conveyor (1801) the foremost one of the goodspackages (19) connected in string to a predetermined position of thecutting device (1802) and the cutting device (1802) will cut off thefilm encapsulation material connecting the good package (19) with thefollowing good packages (19), such that the goods package (19) falls tothe goods outlet (17).
 19. The automatic teller machine according toclaim 1, characterized in that the control and communication circuitunit (1) stores therein a plurality of one-time secret keys in advancewith each one-time secret key corresponding to one reference number, andthe bank account system stores the same one-time secret keys andreference number in advance, and that whenever the control andcommunication circuit unit (1) transmits information to the bank accountsystem, the control and communication circuit unit (1) encrypts theinformation by using an unused one-time secret key and then transmitsthe encrypted information along with the reference number of theone-time secret key to the bank account system; the bank account systemextracts one corresponding one-time secret key according to thereference number to decrypt the information to reduce to the originalinformation, and that whenever the bank account system transmitsinformation to the control and communication circuit unit (1), itencrypts the information by using one of the unused one-time secret keysand then transmits the encrypted information along with the referencenumber of the one-time secret key to the control and communicationcircuit unit (1); the control and communication circuit unit (1)extracts one corresponding one-time secret key according to thereference number to decrypt the information to reduce to the originalinformation, and that the control and communication circuit unit (1) orthe bank account system will delete the used one-time secret key and thecorresponding reference number for ensure that the one-time secret keywill not be used repeatedly.